That it is an amazing deal? $40 content, $5 in "in game" money, and an exclusive skin. An exclusive skin that will probably sell for at least $100 on ebay. All for the price of a regular console.
You can read stories how the "exclusive" one for Sea of thieves you got for playing the alpha/beta sold for $200 on ebay. If you don't think skins sell for a ton - you are really out of touch.
Yes i really can play a skin like horizon or uncharted
You have two choices of wallets. Exactly the same. One comes with $100. Oh but you don't buy that one because you can't put money in a $100 bill.
Skin -> Ebay -> Money -> Uncharted/Horizon. Plus you have money left over, and various content. All for the price of a regular PS4.
Think through these things, you may find yourself being embarrassed far less often.